Tag: debt issues

Consumer Credit Laws And What You Need To Know About Them

There are certain laws in place specifically meant to help consumers in terms of credit, debt, and the lending industry. The Consumer Credit Protection Act (CCPA) is a consumer credit law that was enacted in 1968 to ensure that consumers in the United States would receive only fair and honest credit practices. Some examples included […]

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Housing Counseling is Helpful in All Stages of Homeownership

The process of homeownership is a complicated one. Searching for a home, choosing a home, deciding to buy it, and maintaining it can be very difficult. Many individuals strive to understand the choices. Purchasing a home without any experience is scary. Many studies have demonstrated that housing counseling and education for homeowners and potential home […]

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How to Choose a Non-Profit Debt Management Company

Finding a good debt management solution becomes extremely important when your only alternatives are bankruptcy or continuing to miss payments and ruining your credit. If you’re in this position currently, there is a bright side to your cloudy financial sky: a non-profit debt management solution. This option involves enlisting the help of an organization that exists to […]

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A Little Preparation Helps When Trying To Get Out Of Debt

Debt is so easy to slip into and so very difficult to get out of. People can find themselves paying more and more of their monthly income to their creditors, leaving less for them and their families to live on. If they want to get out of debt, they need to start by doing some […]

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How To Avoid Foreclosing On Your Home

Foreclosure is when you are unable to keep up with making your monthly mortgage payments on your home. This situation then allows the lender to seize your property, evict you, and then sell the home and keep the proceeds from the sale. This is all stipulated in the mortgage note that you signed. Facing foreclosure […]

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Reduce Your Debt and Stress at the Same Time

Financial trouble is one of the leading causes of stress in adults, and high debt balances are one of the top financial concerns people have. You may have high balances on your credit cards, and you may be stressing out about how you are going to pay them off. In some cases, the amount of […]

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What Happens When You Pay Off A Loan Early?

Living with debt is an expensive and super stressful experience. Though the road may seem long, paying off debts and loans will strengthen your financial future. Nearly every type of loan can be paid off early and there are a few different ways to go about it. You may choose to make larger monthly payments, […]

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The Most Popular Credit Counseling Questions

If you’ve been browsing the Advantage CCS website, you might have noticed that we offer many tips to help you manage your finances and a lot of great advice about credit counseling and debt management. But if you’re like many of our potential clients, you probably have questions about the credit counseling process or what […]

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A Woman’s Salary and Debt Management

Women, the wage gap, and debt management If you are a woman, you’re more likely to lose money over the course of your working lifetime than your male business counterparts. That’s a scary thought because it’s the truth. The money you don’t make is money you never get to see. It means you’ll have less […]

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Tips to Avoid Late Fees

One household alone can have a dozen or more bills that come in each month. Each bill has a different due date that must be followed or else a penalty occurs. These charges can be more than $25 for each occurrence, and the tardiness is quickly recorded on your credit history. We all know that […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone